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Heritage Bank East Bay

Fremont, CA · Cert 34912

FDIC

Q4 2002

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2002, the quarter ended December 31, 2002, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Heritage Bank East Bay

Fremont, CA · Cert 34912

FDIC

Q4 2002

$134.3MAssets
$92.4MLoans
$121.3MDeposits
$11.8MEquity
Loan mix
25%RE $11.3M72%C&I $33.0M3%Consumer $1.4MQ4 2001Q4 2002
Deposit mix
83%Interest-bearing $101.1M17%Noninterest $20.2MQ4 2001Q4 2002

NIM

8.26%Q1 ’016.02%Q4 ’014.83%Q4 ’02-28%-3%

Non-interest income vs. expense

4.31%Q1 ’013.22%Q4 ’013.12%Q4 ’02-26%-3%

Executive Summary

  • Earnings: ROA of 0.29%, up 1 bps year over year; NIM at 3.50%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.35%.
  • Funding: loans stand at 76.15% of deposits as of Q4 2002.

Financial Results

Return on Assets (YTD, annualized)

0.29%1+1 bps YoY

Net Interest Margin (YTD, annualized)

3.50%-12 bps YoY

Efficiency Ratio (YTD, annualized)

84.43%-59 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2001Q1 2002Q2 2002Q3 2002Q4 2002YoY ΔTrend
Earnings
Return on Assets0.28%0.17%0.27%10.30%0.29%1+1 bps
Return on Equityn/a1.91%2.99%3.42%3.27%n/a
Net Interest Margin3.62%3.72%3.97%3.68%3.50%-12 bps
Efficiency Ratio85.02%84.36%83.04%82.20%84.43%-59 bps
Non-Interest Burden3.05%3.14%3.30%3.02%2.96%-9 bps
Growth
Asset Growth (YoY)41.41%18.75%6.55%11.07%1.45%-3,996 bps
Loan Growth (YoY)28.11%15.62%10.52%11.45%8.83%-1,928 bps
Deposit Growth (YoY)41.78%17.85%12.63%12.13%1.02%-4,076 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%1.55%0.77%0.48%0.35%+35 bps
Allowance / Loans1.48%1.25%1.47%1.48%1.52%+4 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital11.56%11.57%11.97%11.06%11.26%-30 bps
Equity / Assets8.55%8.99%9.56%7.97%8.75%+20 bps
Liquidity & Funding
Loans / Deposits70.68%73.56%77.07%67.43%76.15%+547 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a